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20131028
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estate tax who assist homeowners in trouble say there's lots of reasons. >> not saying it's not possible, but you know they just get beating down by the system and that the guidelines are so strict that they really can't qualify. >> you get a flat rate to work with a consumer. >> reporter: the green lining institute says helping homeowners to work through mountains of applications requires help from experienced counselors who the treasury does not pay enough to do all the work. >> they don't actually have a real plan of action for how to compensate or adequately compensate. the direct line of commune -- commune case -- communication and help the community get to where they need. >> reporter: that's just one of many funds in the state and other states and nationally that simply are failing to get the money where it's truly needed. >> a lot of these programs are created by agencies that have no connection to real communities. unfortunately that outreach and the implementation just has been missing. >> reporter: and that is costing lots of homes. tom vacar, ktvu channel 2 news. >>> under
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